Contractor did not send final invoice in time to receive insurance depreciation check

(Short Summary): Contractor took a year from starting the claim and receiving initial payment to start the work, then did not respond for over a year after that before sending the final bill of completion, with a portion of work still uncompleted. Now insurance won't release final payment to me for completed work because it's been almost 3 years so I can't pay the contractor.

(Longer Story): I live in Minnesota. In June of 2021 a roofing contractor came to our door stating they were doing work for our neighbor’s hail damage and asked if they could do a free inspection, he showed hundreds of good customer reviews on google. They did the inspection stated they will handle the insurance and work would only cost what insurance pays plus our deductible, so we signed a contract and over the phone we started a claim with my insurance. They met with my insurance damage assessor to go over the claim and a week later insurance cut us an initial check. That’s when the problems started.

About a month later after the inspection I found out the initial rep that met me in my driveway was no longer with the company and was referred to another Company Rep. From there if I did get a response they would say they would check on it but I never received an update until October 2021 winter weather started to hit and climate wise I was told it was no longer feasible to schedule roof work until spring. At around this point they determined that our skylights flashing could not be replaced, and full replacement of the skylights was needed so they submitted and got approval for supplements to do so.

In April they determined that the window flashing on the north side of the house also couldn’t be replaced and started a supplement for window replacement. May 2022 they actually started the work and replaced the house roof, garage roof, and skylights. They were still going back and forth with insurance on the north window replacements between April and August In August 2022 I received a phone call while at work from the contractor they need photos showing the windows were Pella brand, when I got home that night I emailed them the photos with the markings on the windows, after a week I called with no response, I followed up in emails and phone calls until January 2023, but never got a response.

Then on 19 October 2023, over a year later I received a call from the contractor asking about submitting the certificate of completion to my insurance for final payment. I asked about the window supplement, and he said they would look into it, but to contact my insurance company about releasing the depreciation check. I called Insurance and they stated they haven’t received a certificate of completion, and the claim was initially paid in June of 2021 and there is only a one year period with a 6 month extension to request additional supplements and the depreciation check so they would no longer issue any additional payments. I called the contractor back and left a message but no response.

Until April 2024, when the same employee from October calls asking again about sending insurance the final invoice and that they wouldn’t be doing the windows. I explain what I was told in October, that they can send it but insurance said they weren’t making additional payments. He insisted insurance has to pay for the agreed work completed. I said, if they do I’ll sign over the check to be done with this.
On 02 May 2024 they sent the final invoice to insurance with text on the bill stating the full claim amount minus the first payment and deductible totaling the amount owed to almost $53,000 that is due on receipt and a 1.5% monthly service fee would be charged for late payment. My insurance company responded that they need 3 days to process the invoice, after a week with no response and a follow up email from the contractor, I called my insurance company. They restated what they told me in October that they wouldn’t be paying any further addendums or the deprecation as the deadline was well passed.

After sending an email reply all to the contractor about insurances response, I have not gotten a response in four days, and this large disputable debt is causing a lot of anxiety. What am I liable for, do I have any recourse? I don’t have the funds to pay them out of pocket and their delays despite my best efforts to stay on them are what caused the funds not to be released. Should I take any preemptive legal action?